1996 Oldsmobile Ninety-Eight Car Insurance Rates

Trying to find the cheapest auto insurance rates for your Oldsmobile Ninety-Eight? Do you get exhausted from not being able to scrape enough together each month for auto insurance? You are no different than most other vehicle owners. Big-name insurance companies like Progressive, Geico and Farmers Insurance promote their brand names with fancy advertisements and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

You should make it a habit to compare prices at least once a year since prices are adjusted regularly by insurance companies. Just because you had the best rates on Ninety-Eight insurance a few years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.

If you are insured now or need a new policy, you can use these techniques to find better prices and still get good coverage. Finding the best rates is not that difficult. Drivers just need to understand the proper way to shop for auto insurance on the web.

The quickest method to get rate comparisons utilizes the fact most insurance companies will pay a fee to quote your coverage. The only thing you need to do is provide details such as level of coverage desired, which vehicles you own, distance driven, and if the car is leased. Those rating factors is submitted instantly to multiple companies and they return quotes with very little delay.

If you would like to compare rates now, click here and see if a lower rate is available.

Components of your Oldsmobile Ninety-Eight insurance rates

Consumers need to have an understanding of some of the things that go into determining the rates you pay for auto insurance. When consumers understand what impacts premium levels, this enables you to make decisions that can help you get lower premium levels.

• Married people drive safer – Having a spouse can get you a discount compared to being single. Having a spouse demonstrates that you tend to be more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
• Vehicles with better crash test results mean better rates – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders.
• Raise your physical damage deductibles for better prices – The deductibles are the amount of money you are required to spend if you file a covered claim. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims would be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Ninety-Eight insurance.
• Protect yourself with liability – The liability section of your policy kicks in if ever you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.

Do you qualify for discount car insurance?

Some insurance providers don’t necessarily list every policy discount in a way that’s easy to find, so we researched some of the more common and also the lesser-known discounts that you may qualify for.

• Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 20 to 30 percent.
• Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on auto insurance quote in comparison to accident-prone drivers.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Savings for New Vehicles – Buying a new car instead of a used car may earn a small discount compared to insuring an older model.
• Driver Training Discounts – Participating in a defensive driving course could save 5% or more depending on where you live.
• Low Mileage Discounts – Driving fewer miles could qualify for discounted car insurancerates on garaged vehicles.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

Popular car insurance companies and a summarized list of policyholder discounts are detailed below.

• American Family policyholders can earn discounts including TimeAway discount, good student, Steer into Savings, early bird, accident-free, good driver, and air bags.
• Nationwide offers discounts including multi-policy, family plan, Farm Bureau membership, anti-theft, business or organization, and accident-free.
• MetLife may include discounts for defensive driver, claim-free, good student, good driver, accident-free, multi-policy
• 21st Century has discounts for teen driver, driver training, early bird, defensive driver, air bags, and 55 and older.
• Farmers Insurance has savings for pay in full, switch companies, electronic funds transfer, youthful driver, and alternative fuel.
• Allstate may have discounts that include good payer, farm vehicle, anti-theft, new car, teenSMART discount, anti-lock brakes, and 55 and retired.

If you need lower rates, check with each company how many discounts you can get. Some credits might not be offered everywhere. To locate insurance companies that offer some of these discounts, click here to view.

What insurance coverages do I need?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if your situation will benefit from professional help.

• Is my 1996 Oldsmobile Ninety-Eight covered for smoke damage?
• Am I covered if hit by an uninsured driver?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need to file an SR-22 for a DUI in my state?
• Is my Oldsmobile Ninety-Eight covered if I use it for business?
• When should my teen driver be added to my policy?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance coverages explained

Having a good grasp of car insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.

Collision insurance

This coverage will pay to fix damage to your Ninety-Eight from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, sideswiping another vehicle, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, damage from getting keyed, hitting a deer, theft and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills such as doctor visits, nursing services and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Oldsmobile Ninety-Eight.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Power to the consumer

Lower-priced 1996 Oldsmobile Ninety-Eight insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer internet price quotes and usually these smaller companies work with independent agents.

When trying to cut insurance costs, do not reduce needed coverages to save money. In many instances, an accident victim reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

More information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Older Drivers FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)